OpenSky® Secured Visa® Credit Card

Credit Card Details
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No credit check required – 89% approval rate with zero credit risk to apply!

Card Brand Visa

Credit Recommended No credit, Poor, Fair

Annual Fee $35.00

Regular Purchase APR 24.64% (variable)

Rewards Up to 10% cash back rewards

Updated for Thu 29 May 2025

Highlights

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!

Additional Info

  • Regular APR: 24.64% (variable)
  • Annual Fee: $35
  • Credit Line: $200-$3000 at time of application
  • Credit Recommended: No credit, Poor, Fair
  • Late Payment Fee: Up to $41
  • Cash Advance APR: 24.64% (variable)
  • Penalty APR: None
  • Rewards Rate: Up to 10% cash back rewards

Specifications

Regular APR 24.64% (variable)
Annual Fee 35.00
Intro (Purchases) n/a
Intro (Transfers) n/a
Credit Recommended No credit, Poor, Fair
Cash Advance APR 24.64% (variable)
Cash Advance Fee See Website for Details
Cash Grace Period See Website for Details
Late Payment Fee Up to $41
Overlimit Fee See Website for Details
Return Check Fee See Website for Details
Foreign Transaction Fee See Website for Details
Balance Transfer Fee See Website for Details
Rewards Rate Up to 10% cash back rewards
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